Visa Verifi - ZenPayments

PRODUCT SUMMARY

Once a Merchant obtains a merchant account (MID) through us and is registered through us on Verifi*, they can leverage this API to access Order Insight and Notification services to drive dispute prevention. This guide includes details needed to integrate with us and to leverage Verifi services. There are two ways you can integrate with us and utilize Visa Verifi’s services.

Directly utilizing our Payment Gateway services

Using an external third-party Payment service.

*please contact us if wanting to register as a merchant for Verifi services

PRODUCT OVERVIEW

Order Insight provides Issuers and Cardholders with real-time information covering purchase details and Merchant information to enrich the Cardholder experience, eliminate billing confusion, and prevent friendly fraud. A single integration allows data to be shared and used for three distinct purposes – Cardholder digital experience, Call Center Experience, and pre-dispute Compelling Evidence fraud dispute deflection.

Compelling Evidence introduces new rules that help merchants combat first-party misuse (friendly fraud) by weighting a cardholder’s non-fraud prior transactions with the merchant as evidence of likely legitimacy of the disputed transaction. If a clear link between the merchant and the cardholder can be identified, the issuing bank is much more likely to rule the dispute in favor of the business; however, submitting evidence does not guarantee an auto-win as issuing banks still have discretion as to whether a dispute is ruled in favor of a merchant.

Visa’s qualifying criteria to demonstrate the link is as follows:

For all disputes with Visa reason code 10.4, merchants can increase their odds of winning by providing two prior transactions with the same cardholder where:

No fraud activity has been reported

The same payment credential was used

Processing occurred more than 119 calendar days and fewer than 366 calendar days prior to the disputed transaction processing date

Merchants must provide:

Product descriptions for the disputed charge and the two chosen transactions - reference product object table below.

The device ID, device fingerprint or the IP address of the customer

Proof that one or more of the following match across both non-fraud transactions and the disputed transaction:

Customer email

Delivery address

Device ID / device fingerprint

IP address

Our systems will detect and prefill other required information and will upon receiving qualifying dispute query for previous transactions that meet the required criteria.

To increase chances of qualifying, update your integration to share information included in the following sections for the Verifi API.